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ZANESVILLE

Ohio Homeowners Insurance

Living in the Buckeye State

If you live along the shores of Lake Eerie, in central Ohio near Columbus, down near Cincinnati or in the foothills of the Appalachian Mountains, wherever you live in Ohio Safeco offers insurance coverage for your home in the Buckeye State. When thinking about home insurance coverage in Ohio, keep in mind how the climate and severe weather of the Midwest can adversely affect your home and property. Get your Ohio home insurance quote today.

Ohio Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Ohio homeowners an affordable blend of home insurance coverage and value.

Safeco New Quality-Plus™

For Ohio homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

Ohio homeowners who need additional coverage for extensive assets and treasured belongings should consider Safeco Optimum™ with its increased levels of protection.

Safeco Ultra™

Our highest level of home insurance coverage available, Safeco Ultra™ includes the most coverage enhancements and the highest limits for homes in Ohio.

Ohio Home Insurance Discounts

Safeco offers several ways for Ohioans to lower your homeowners insurance bill. Talk to your local Safeco insurance agent about ways to save with Ohiohome insurance discounts.

Advance Quote Discount

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Ohio homeowners insurance quote today and start saving tomorrow.

Ohio Home Insurance Requirements

Homeowners insurance is not required by Ohio state law, however most lenders require first time buyers to purchase home insurance. In some Ohio counties all homeowners are required to be covered by mine subsidence insurance. Also, mortgage lenders generally require insurance that covers at least the outstanding balance of your loan.

Mine Subsidence Insurance

When an underground mine collapses, the ground surface settles into a trough and sometimes creates a sinkhole. Movement of the ground surface below your home can cause foundation and structural damage. Coverage for this type of damage is called mine subsidence coverage mine subsidence coverage.

Homes in certain Ohio counties are required to have mine subsidence coverage mine subsidence coverage. Talk to your local Safeco insurance agent about whether you live in an area that requires this type of coverage.

Ohio Home Insurance Coverage Options

All Safeco Ohio homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Ohioans have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Actual Cash Value on Roofing

Get a 2% credit on your basic premium when you select actual cash value actual cash value on roof damage caused by windstorms or hail.

Earthquake Insurance

Earthquake coverage in Ohio is available for frame, masonry veneer and solid masonry homes. Talk to your local Safeco insurance agent about adding earthquake coverage to your Ohio home insurance policy.

Above and Beyond

Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base Ohio homeowners insurance policy.

Home Business

Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your Ohio homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in Ohio

Flooding in Ohio

With many rivers and tributaries throughout the state, Ohio is no stranger to flooding. The most common source of flood water is from heavy spring rainfall, thunderstorms and snowmelt.

Is flood damage covered by home insurance in Ohio?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Thunderstorms, Lightening and Hail

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Does home insurance cover lightning strikes and hail damage?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.

Earthquakes in Ohio

Though the risk of a large-scale earthquake occurring in the eastern United States is low, in the past 200 years Ohio has experienced several earthquakes that have caused moderate damage. Ohio is also on the northern edge of the New Madrid seismic zone, which is one of the most active seismic zones in the country. Seismic waves in the eastern United States tend to travel for long distances, creating damage zones with a much larger circumference than in the west.

Is earthquake damage covered by home insurance in Ohio?

Earthquake damage is an optional coverage for Ohio homeowners whose homes meet certain eligibility and construction requirements. Talk to your local Safeco insurance agent about adding earthquakes coverage for your home in Ohio.

Winter Weather in Ohio

Common winter weather problems in Ohio include frozen pipes, roof collapse from snow, falling trees and branches, ice dam damage and cracked foundations.

Cold winter temperatures can:

  • Freeze and burst pipes
  • Damage gutters and shingles

Heavy, wet snow can:

  • Overload and collapse your roof
  • Break tree branches that damage your home

Is home damage caused by winter weather covered?

Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbingand personal belongings.

Tornadoes in Ohio

Some Ohio communities are familiar with the damaging effects of tornadoes. In the period between 1991 and 2010, Ohio had an average of 19 tornadoes touch down throughout the state each year.

Is tornado damage covered by home insurance?

Your standard home insurance typically covers the cost to repair damage caused by a tornado.

Wildfires in Ohio

Though wildfires can happen at any time, Ohio is most susceptible to wildfire outbreaks during the spring and fall when vegetation is dry.

Does home insurance cover wildfire damage?

Your home insurance policy typically covers the cost to repair common wildfire damage to your home and personal belongings.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506